Mortgage Lenders and Brokers in Middle River, Maryland
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Middle River, Maryland mortgage lenders include Bank of America NABank of America NA122 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.14%, Shore United Bank, N.A.Shore United Bank, N.A.200 Westgate Circle, Annapolis, MD 21401A5.0 ★Texas Ratio: 9.61%, First National Bank of PAFirst National Bank of PA3 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 1.62%, First Financial of Maryland Federal Credit UnionFirst Financial of Maryland Federal Credit Union8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028A+5.0 ★Texas Ratio: 2.01%, Aberdeen Proving Ground FCUAberdeen Proving Ground FCU996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733A+5.0 ★Texas Ratio: 4.35%, Point Breeze Credit UnionPoint Breeze Credit Union5 Philadelphia Ct, Baltimore, MD 21237A+5.0 ★Texas Ratio: 1.64%, M&T BankM&T Bank207 W Bel Air Ave, Aberdeen, MD 21001A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank405 Manning Rd E, Accokeek, MD 20607A+5.0 ★Texas Ratio: 2.87%, Lower, LLCLower, LLC810 Bestgate Rd, Annapolis, MD 21401, and State Employees Credit Union of MDState Employees Credit Union of MD10025 Baltimore National Pike, Annapolis, MD 20740A5.0 ★Texas Ratio: 6.00%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Middle River, Maryland in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middle River are listed first, then lenders elsewhere in Maryland, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Middle River, Maryland
Market share is the lender's share of all home loans closed in Middle River, Maryland. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
1 office in Middle River 122 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +7 HELOCs |
0.6% | 100% | $305,000 | View |
|
200 Westgate Circle, Annapolis, MD 21401 A5.0 ★Texas Ratio: 9.61% |
Conventional, FHA, VA | 12 | 2.4% | 100% | $273,333 | View |
|
3 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 11 +4 HELOCs |
2.2% | 84.6% | $336,818 | View |
|
8665 Pulaski Hwy Ste 118, Baltimore, MD 21237 3028 A+5.0 ★Texas Ratio: 2.01% |
Conventional | 8 | 1.6% | 100% | $161,250 | View |
|
996 Beards Hill Rd # Rt, Aberdeen, MD 21001 1733 A+5.0 ★Texas Ratio: 4.35% |
Conventional, HELOC | 7 +2 HELOCs |
1.4% | 80% | $60,714 | View |
|
5 Philadelphia Ct, Baltimore, MD 21237 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 7 | 1.4% | 87.5% | $269,285 | View |
|
207 W Bel Air Ave, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, HELOC | 6 +9 HELOCs |
1.2% | 60% | $280,000 | View |
|
★ 1 stars, 1 review 405 Manning Rd E, Accokeek, MD 20607 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +2 HELOCs |
0.8% | 80% | $312,500 | View |
Lower, LLC
810 Bestgate Rd, Annapolis, MD 21401 |
Conventional | 3 | 0.6% | 100% | $428,333 | |
|
10025 Baltimore National Pike, Annapolis, MD 20740 A5.0 ★Texas Ratio: 6.00% |
Conventional, FHA, HELOC | 2 +8 HELOCs |
0.4% | 100% | $135,000 | |
|
★ 1.7 stars, 3 reviews 1004 Beards Hill Rd, Aberdeen, MD 21001 A+5.0 ★Texas Ratio: 4.24% |
FHA, HELOC | 1 +5 HELOCs |
0.2% | 50% | $255,000 | View |
|
96 Village Sq, Baltimore, MD 21210 A+5.0 ★Texas Ratio: 4.85% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $395,000 | View |
|
166 Jennifer Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.51% |
FHA, HELOC | 1 +1 HELOCs |
0.2% | 100% | $215,000 | View |
|
1835 West St, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
|
920 Bay Ridge Rd, Annapolis, MD 21403 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $595,000 | View |
|
4520 East West Hwy, Bethesda, MD 20814 A-4.9 ★Texas Ratio: 16.48% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
|
8640 Ridgelys Choice Dr, Baltimore, MD 21236 A+5.0 ★Texas Ratio: 1.25% |
Conventional | 1 | 0.2% | 100% | $35,000 | View |
|
1501 S Clinton St Ste 1200, Baltimore, MD 21224 5732 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.2% | 20% | $25,000 | View |
|
400 Constant Friendship Blvd, Abingdon, MD 21009 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.2% | 50% | $415,000 | View |
|
810 Bestgate Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 1.97% |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
|
7637 Old Georgetown Rd, Bethesda, MD 20814 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
2530 Riva Rd, Annapolis, MD 21401 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
2452 Solomons Island Rd, Annapolis, MD 21401 3709 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional, FHA | 18 | 3.6% | 100% | $404,444 | View |
Nfm, Inc
|
Conventional, FHA | 12 | 2.4% | 100% | $303,333 | |
Direct Mortgage Loans, LLC
|
Conventional, FHA, VA | 11 | 2.2% | 84.6% | $253,181 | |
Bay Capital Mortgage Corporation
|
Conventional, FHA, VA | 5 | 1% | 83.3% | $311,000 | |
Universal Mortgage & Finance, Inc
|
FHA | 2 | 0.4% | 100% | $315,000 | |
Bayshore Mortgage Funding
|
FHA | 2 | 0.4% | 100% | $215,000 | |
Cazle Mortgage, Inc.
|
FHA | 1 | 0.2% | 100% | $335,000 | |
All Credit Considered Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $175,000 | |
1st Financial, Inc.
|
Conventional | 1 | 0.2% | 100% | $615,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 51 | 10.1% | 78.8% | $231,078 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, HELOC | 33 +4 HELOCs |
6.5% | 85% | $363,484 | |
Nvr Mortgage Finance, Inc.
|
Conventional, FHA, VA | 27 | 5.3% | 75% | $467,222 | |
DHI Mortgage Company, LTD.
|
Conventional, FHA, VA | 21 | 4.2% | 77.8% | $582,619 | |
Cmg Mortgage Inc
|
Conventional, FHA, VA, USDA | 20 | 4% | 100% | $420,000 | |
Primary Residential Mortgage, INC.
|
Conventional, FHA, VA | 15 | 3% | 93.8% | $279,666 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 10 | 2% | 83.3% | $337,000 | |
Newrez LLC
|
Conventional, FHA, VA | 9 | 1.8% | 60% | $290,555 | |
TowneBank
|
Conventional, FHA, VA | 9 | 1.8% | 100% | $351,666 | |
Movement Mortgage, LLC
|
Conventional, FHA | 8 | 1.6% | 100% | $190,000 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +4 HELOCs |
1.4% | 61.5% | $342,142 | View |
SWBC Mortgage Corporation
|
Conventional, FHA, VA | 7 | 1.4% | 100% | $366,428 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA | 7 | 1.4% | 100% | $319,285 | |
|
C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA, VA, HELOC | 6 +2 HELOCs |
1.2% | 85.7% | $306,666 | View |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 6 | 1.2% | 60% | $190,000 | |
Guild Mortgage Company
|
Conventional, FHA, VA | 6 | 1.2% | 100% | $368,333 | |
Spring Eq, LLC
|
Conventional, HELOC | 5 +3 HELOCs |
1% | 41.7% | $67,000 | |
|
A+5.0 ★Texas Ratio: 5.05% |
Conventional, FHA | 5 | 1% | 100% | $523,000 | View |
Embrace Home Loans, Inc.
|
Conventional, FHA | 5 | 1% | 100% | $579,000 | |
Nationwide Mortgage Bankers, Inc.
|
Conventional, FHA | 5 | 1% | 100% | $207,000 | |
loanDepot.com LLC
|
Conventional, FHA, HELOC | 4 +1 HELOCs |
0.8% | 66.7% | $335,000 | |
Premier Mortgage Resources, LLC
|
FHA | 4 | 0.8% | 100% | $677,500 | |
Guaranteed Rate, Inc.
|
Conventional, VA | 4 | 0.8% | 100% | $412,500 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 4 | 0.8% | 77.8% | $400,000 | |
First Heritage Mortgage, LLC
|
Conventional, FHA | 4 | 0.8% | 100% | $385,000 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 4 | 0.8% | 100% | $322,500 | |
Paramount Residential Mortgage
|
Conventional, FHA | 4 | 0.8% | 100% | $472,500 | |
Arc Home LLC
|
Conventional | 3 | 0.6% | 100% | $528,333 | |
American Financial Network, Inc.
|
Conventional, FHA, VA | 3 | 0.6% | 100% | $365,000 | |
Lennar Mortgage, LLC
|
Conventional, VA | 3 | 0.6% | 100% | $638,333 | |
Atlantic Bay Mortgage Group
|
Conventional, FHA | 3 | 0.6% | 100% | $405,000 | |
Nationstar Mortgage
|
Conventional | 3 | 0.6% | 75% | $105,000 | |
Mortgage Research Center
|
FHA, VA | 3 | 0.6% | 42.9% | $555,000 | |
Geo-Corp, Inc.
|
FHA | 3 | 0.6% | 100% | $451,666 | |
HomeSale Mortgage
|
Conventional | 3 | 0.6% | 100% | $318,333 | |
Mutual of Omaha Mortgage
|
Conventional, FHA | 3 | 0.6% | 75% | $215,000 | |
Homeamerican Mortgage Corporation
|
VA | 3 | 0.6% | 100% | $725,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA | 3 | 0.6% | 37.5% | $195,000 | |
New American Funding, LLC.
|
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 40% | $350,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.4% | 100% | $140,000 | View |
Envoy Mortgage, Ltd
|
Conventional, FHA | 2 | 0.4% | 100% | $285,000 | |
City Lending Inc.
|
Conventional | 2 | 0.4% | 100% | $320,000 | |
Sun West Mortgage Company, Inc
|
Conventional, FHA | 2 | 0.4% | 100% | $370,000 | |
Credit Union Mortgage Associat
|
Conventional | 2 | 0.4% | 100% | $180,000 | |
ClearPath Lending
|
VA | 2 | 0.4% | 100% | $250,000 | |
Churchill Mortgage Corporation
|
Conventional, VA | 2 | 0.4% | 100% | $330,000 | |
Planet Home Lending, LLC
|
Conventional, FHA | 2 | 0.4% | 100% | $195,000 | |
Mortgage Equity Partners LLC
|
Conventional | 2 | 0.4% | 100% | $245,000 | |
Pike Creek Mortgage Services, Inc.
|
Conventional | 2 | 0.4% | 100% | $325,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, VA | 2 | 0.4% | 100% | $375,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 2 | 0.4% | 100% | $475,000 | |
HomeBridge Financial Services, Inc
|
FHA, HELOC | 1 +1 HELOCs |
0.2% | 50% | $445,000 | |
EMM Loans LLC
|
Conventional | 1 | 0.2% | 100% | $315,000 | |
Equity Resources Inc
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Originpoint, LLC
|
Conventional | 1 | 0.2% | 100% | $445,000 | |
|
A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
First Community Mortgage, Inc.
|
FHA | 1 | 0.2% | 100% | $425,000 | |
Goodleap, LLC
|
FHA | 1 | 0.2% | 20% | $215,000 | |
Everett Financial, Inc.
|
FHA | 1 | 0.2% | 100% | $205,000 | |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.2% | 20% | $235,000 | |
MDE Home Loans LLC
|
Conventional | 1 | 0.2% | 100% | $545,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 0.2% | 100% | $195,000 | |
Kind Lending, LLC
|
VA | 1 | 0.2% | 100% | $555,000 | |
Loanunited.Com, LLC
|
FHA | 1 | 0.2% | 100% | $145,000 | |
HomeXpress Mortgage Corp.
|
Conventional | 1 | 0.2% | 50% | $525,000 | |
Financial Freedom Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $325,000 | |
VanDyk Mortgage Corporation
|
FHA | 1 | 0.2% | 100% | $335,000 | |
First Colony Mortgage Corporat
|
Conventional | 1 | 0.2% | 100% | $345,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.2% | 100% | $215,000 | |
First Option Mortgage, LLC
|
FHA | 1 | 0.2% | 100% | $265,000 | |
Peoples Mortgage Company
|
Conventional | 1 | 0.2% | 100% | $405,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $595,000 | View |
T2 Financial LLC
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Sierra Pacific Mortgage Co. Inc
|
FHA | 1 | 0.2% | 100% | $345,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $225,000 | |
V.I.P. Mortgage, Inc.
|
Conventional | 1 | 0.2% | 100% | $415,000 | |
Keystone Funding, Inc
|
FHA | 1 | 0.2% | 100% | $255,000 | |
State Departmenet Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $55,000 | |
United Nations Federal CU
|
Conventional | 1 | 0.2% | 100% | $385,000 | |
21St Mortgage
|
Conventional | 1 | 0.2% | 12.5% | $65,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.2% | 100% | $55,000 | |
Reliance First Capital, LLC
|
Conventional | 1 | 0.2% | 100% | $75,000 | |
Geneva Financial LLC
|
FHA | 1 | 0.2% | 100% | $295,000 | |
Figure Lending LLC
|
HELOC | 0 +6 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Better Mortgage Corporation
|
HELOC | 0 +1 HELOCs |
0% | 0% |
Middle River Mortgage Rate Trends
Daily average mortgage rates for Maryland compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Middle River, Maryland
Looking for mortgage lenders near me or mortgage brokers near me in Middle River? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middle River in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middle River, MD
Use these to narrow the list above. Each category shows how many Middle River, MD lenders fit and what that kind of lender is usually best for.
Who Lends in Middle River, MD
Independent mortgage companies closed 79.8 percent of home loans in Middle River, Maryland in 2025, banks 12.8 percent and credit unions 7.3 percent. Lower, LLC was the largest mortgage company, Bank of America NA the largest bank and First Financial of Maryland Federal Credit Union the largest credit union. Among lenders headquartered in Maryland, Shore United Bank, N.A. led with 12 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Maryland. State transfer tax of 0.5 percent of the price (0.25 percent, paid by the seller, when the buyer is a first time Maryland homebuyer), plus county transfer taxes of 0 to 1.5 percent and county recordation taxes on deeds and mortgages ranging from about $5 to $14 per $1,000, with Montgomery County using tiered rates up to 2.27 percent above $1 million.
More Maryland Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Middle River, MD
By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Middle River, Maryland with 3 loans, about 0.6 percent of the market. The largest lender headquartered in Maryland was Shore United Bank, N.A. with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Middle River, Maryland, Rocket Mortgage approved the highest share of completed applications in 2025 at 78.8 percent, against a 81.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
60 lenders closed FHA loans in Middle River, Maryland in 2025, led by United Wholesale Mortgage with 13. 31 lenders closed VA loans, led by United Wholesale Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 21 banks and 14 credit unions closed home loans in Middle River, Maryland in 2025, alongside 85 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Middle River, Maryland during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Middle River, Maryland for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Middle River. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
